Back to main menu
Search
Search
Overlay

There's still time.

Make the most of this year's ISA allowance.

You must be a UK resident aged 18+. You can only subscribe to one cash ISA with NatWest in the current tax year (2025/26) up to £20,000. Tax free interest means interest payable is exempt from UK income tax. Tax reliefs referred to are those applied under current UK legislation, which may change.
Investing puts your capital at risk. The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria and fees apply.

Make your ISA allowance count

With the end of tax year approaching now could be a good time to get organised and think about your future goals. Reviewing your finances and seeing how you can make the most of your money is a smart move and an ISA could help you do this.

Unlike traditional savings accounts, ISAs are a tax efficient way to save. That means you won't pay UK income or capital gains tax on any interest or investment returns, so more of any money you make stays yours.

Explore your ISA options before tax year end

Don't miss out on tax-free savings. Now's a great time to maximise your savings and use your £20,000 ISA allowance.  If you haven't used your allowance elsewhere already, you can top up your instant access Cash ISA or instead you could explore our Fixed Rate ISA and Stocks and Shares ISA. New accounts must be open and funded by 2nd April 5pm to count towards this year's ISA allowance.

 

 

Family's boots

Cash ISA

  • Top up your existing ISA

Top up deadline - midnight on 5th April, to count towards this year's ISA allowance.

The easiest way to top up is to pay money into your ISA from another NatWest account using mobile or Online Banking (if you're moving money from an existing ISA, you'll need to complete an ISA transfer request to keep your savings tax-free). You can find out what your remaining ISA allowance is on the app too. 

Information Message

Information Message

You can only subscribe to one cash ISA (instant access or fixed rate) with NatWest in any tax year.  You can deposit into both a cash ISA and Stocks and Shares ISA within the same tax year, as long as you don't exceed your £20,000 ISA allowance across all your ISA accounts (with us or elsewhere).

Explore Cash ISA Open in new window
Family on a beach

Fixed Rate ISA

  • Minimum deposit £1,000.

Fix your savings interest rate so you know the amount of interest you'll get paid.

 

One year Fixed Rate ISA rates:

  • 3.50% AER/tax free p.a. (fixed) on balances of £1,000 - £24,999
  • 3.70% AER/tax free p.a. (fixed) on balances £25,000+

 

Two year Fixed Rate ISA rates:

  • 3.30% AER/tax free p.a. (fixed) on balances of £1,000 - £24,999
  • 3.50% AER/tax free p.a. (fixed) on balances £25,000+

 

You can get our higher interest rate on balances of £25,000+ by moving ISA savings from a previous tax year using an ISA transfer.

Information Message

Information Message

No withdrawals or deposits during the term. Available to new customers until 5pm on 11 March 2026. Available to existing customers until 16 March 2026. Please note that these issues may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. Early closure fees may apply.

Explore Fixed Rate ISA Open in new window
which stocks and shares award

Stocks and Shares ISA

  • Start investing from £50.

Invest at a risk-level which suits your needs.

  • The choice of five ready-made funds to invest in.
  • Low fees.
  • Could help protect your money from the effects of inflation.

 

Our Stocks and Shares ISA endorsed as Which? Great Value. 

Information Message

Information Message

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply. Tax reliefs referred to are those applied under current legislation, which may change. The availability and the value of any tax relief will depend on your individual circumstances.

Explore Stocks & Shares Open in new window

Transferring from an existing ISA

An ISA transfer is when you move your savings from one ISA to another. You might do this to get a better interest rate, or to take advantage of a different type of ISA altogether. It's really important to go through a proper ISA transfer process. That way, you won't lose out on any of the tax benefits of your ISA and your tax-free allowance is protected.

You can transfer an existing ISA elsewhere into your NatWest instant access Cash ISA at any time, bringing them all together in one place. 

If you want to transfer your ISA balance that has been paid in during the current tax year (since 6th April 2025), you must transfer this balance in full. For balances paid in during previous years you can choose to send a partial transfer and this won't count towards this year's ISA allowance.

Transfer to a NatWest ISA Open in new window

Your essential guide to ISAs

The government recently announced future changes to ISA allowances - from April 2027, anyone under the age of 65 will only be able to put £12,000 per tax year into a cash ISA. You’ll be able to put the remaining £8,000 into a stocks and shares ISA – or you could put your full £20,000 allowance into a stocks and shares ISA if this suits your goals. These changes aren't expected to affect anyone aged 65 or over. 

We're here to help you understand the details on ISA benefits, your ISA allowance and more, including ways to manage your ISA.

Visit ISA Guide Open in new window

Definitions

Annual Equivalent Rate (AER) shows the interest rate if interest is paid and compounded once each year. AER helps you to compare the rates of interest on different accounts.

Compound interest is interest that is earned on interest that’s already been paid.

Gross means the interest rate you are paid on your savings with no compounding.

p.a. per annum (per year).

Tax-free.  We pay all savings interest without the deduction of tax.  You do not pay any UK tax on interest earned in ISAs. You may have to pay tax on interest earned in non-ISA accounts depending on your Personal Savings Allowance. The tax treatment may be subject to change in the future.

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of NatWest are protected up to a total of £120,000, by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Read the FSCS Leaflet (PDF, 3.7 MB) to find out more about the scheme and how it protects your money.

Investments through NatWest Invest may also be covered by the Financial Services Compensation Scheme in some scenarios. You can find out more here.